Mortgage Refinancing
Made Simple
Refinance to save more, pay less, or free up cash.
Mortgage Options Made for You
Whether you’re refinancing to lower your rate, reduce your monthly payment, or pay off your loan sooner, First Financial is here to help. With competitive mortgage refinance options, expert guidance, and a simple online application, we make refinancing your home loan easy — so you can focus on what matters most.
Looking at Shorter-Term Options?
Many homeowners choose shorter loan terms to reduce interest over time and build equity faster.
15-Year Fixed Mortgage
Rate as low as 4.50% (4.593% APR*)
Our mortgage specialists can help you compare options and determine what works best for your financial goals.
Conventional Mortgages
- Refinance into flexible terms from 5 to 30 years, including 15-year options.
- Competitive rates designed to help lower monthly payments or reduce long-term interest.
- Low down payment options available.
Adjustable Rate Mortgages (ARM)
- 10/10/10 ARM with low fixed rate¹ and financing up to 100% LTV with PMI approval.
- 5/5 ARM with low fixed rate¹ and financing up to 100% LTV with PMI approval.
- 30-year term options offering flexibility as your financial needs evolve.
Our team of mortgage specialists will guide you every step of the way. Whether you’re buying or refinancing in Maryland or Pennsylvania, we’ll find the best loan to fit your needs.
Fixed Rate Mortgages
Effective Date: 2/4/2026
| Loan Type |
Rates as low as |
Points |
APR* as low as |
Payment Factor (per $1000) |
| 30 year | 5.625% | 0 | 5.687% | $5.76 |
| 20 year | 5.125% | 0 | 5.225% | $7.97 |
| 15 year | 4.500% | 0 | 4.593% | $7.65 |
| 10 year | 3.750% | 0 | 3.875% | $10.01 |
| 5 year | 3.500% | 0 | 3.733% | $18.19 |
| 15 year Land Loan | 6.000% | 0 | 6.101% | $8.44 |
*APR=Annual Percentage Rate. Rates are subject to change at anytime. The content above displays the current interest rates for various mortgage loan types offered by First Financial. These rates are subject to change and are based on individual creditworthiness and collateral value. It is important to note that not all applicants will qualify for the lowest rate.
Some of the available loan options include a 30-year fixed, 20-year fixed, 15-year fixed, and a 10-year fixed term. Each option offers different payment factors per $1,000 borrowed.
Adjustable Rate Mortgages
Effective Date: 2/4/2026
| Loan Type |
Rates as low as |
Points |
APR* as low as |
Payment Factor (per $1000) |
| 10/10/10 | 5.500% | 0 | 5.561% | $5.68 |
| 5/5 | 4.750% | 0 | 4.802% | $5.22 |
*APR=Annual Percentage Rate. Rates are subject to change at anytime. The content above displays the current interest rates for various mortgage loan types offered by First Financial. These rates are subject to change and are based on individual creditworthiness and collateral value. It is important to note that not all applicants will qualify for the lowest rate. Certain terms and conditions apply. Rate adjusts after the fixed period.
Ready to Explore Your Options?
Start your free, no-obligation mortgage pre-qualification today. Apply online or call us at 410-321-6060 or 800-903-3328.
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1Certain terms and conditions apply. Rates adjust after the fixed period.
Loan subject to approval. Not all applicants will qualify and not all borrowers will qualify for the lowest rate. Actual rate will vary depending on the applicant’s creditworthiness.
Membership eligibility required. Insured by NCUA. Equal Housing Lender.
Learn more about mortgages by reading the consumer resources provided by the U.S. Government.
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